This home is in Fernandina Beach.

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Active

Active·3 days on market

2001 Beach Wood Road

Fernandina Beach, FL 32034

$895,000$530/sqftEst. $4,563/moMLS# 2156195

Beds

Baths

1,690

Sq Ft

1974

Built

—

Garage

Pool

About this home

Fernandina Beach

Tucked beneath a canopy of majestic live oaks, this rare end-unit villa offers exceptional privacy in the heart of the Amelia Island Plantation. Ideally located just steps from the beach, the Omni Amelia Island Resort & Spa, Little Sandy Golf Course, dining, and shopping, this fully furnished villa is beautifully updated and move-in ready. The open floor plan features a bright kitchen with white cabinetry, an open staircase, and a convenient main-level powder bath. Upstairs are three spacious ensuite bedrooms, including a luxurious primary suite with a private balcony and remodeled bath with dual vanities. Recent updates include new glass sliding doors, LVP flooring, HVAC, water heater, paint, and lighting. Currently a top-performing rental in the Villas of Amelia Island Rental Program, averaging approximately $63,000 in annual gross rental revenue, with professional management, dedicated marketing, 24-hour on-site support, and exclusive Omni Resort amenities.

Cost to own

Mortgage calculator

Home Price

$895,000

Down Payment: 20%

$179,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,563

Principal & Interest: $4,563

Property taxes (est.): $1,236

Insurance (est.): $597

Estimated Total Monthly

$6,396

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$4,563

Property taxesest. at asking price, Nassau County$1,236

HOAbilled annually$208

Estimated total, before insurance$6,007/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1974)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer (public record) · Public water (record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,509 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History